Mortgage Broker in Virginia
VA loans, high-cost Northern Virginia files, and Hampton Roads buyers on one application.
StatewideLicensed across Virginia.
A Virginia mortgage broker who shops the whole network
Virginia’s housing markets range from some of the highest-cost ZIP codes in the country in Northern Virginia to affordable, rural, USDA-eligible areas in the south and west. Layered across all of it is one of the largest concentrations of active-duty military and veterans in the nation.
As a veteran-owned brokerage, VA loans are core to what we do, and we shop the rest of your options, conventional, FHA, jumbo, across a wholesale lender network on a single application. In high-cost Northern Virginia, that often means comparing jumbo and high-balance structures carefully.
We are licensed across Virginia and handle the file remotely, so a Hampton Roads service member and a Richmond move-up buyer get the same attention.
Areas we finance across Virginia
Northern Virginia price points routinely exceed conforming limits, pushing buyers into high-balance and jumbo loans, while VA entitlement is a major factor for Hampton Roads and base-adjacent buyers. We structure for both.
Loan programs for Virginia buyers and owners
VA Loans
No down payment and no monthly mortgage insurance for eligible service members and veterans.
Learn more →FHA Loans
Lower down payment and flexible qualifying for first-time and move-up buyers.
Learn more →Conventional Loans
Competitive terms for buyers with steady income and solid credit.
Learn more →USDA Loans
Zero-down financing in eligible areas across the state.
Learn more →Refinance
Lower the rate or term, or pull cash out, on a home you already own.
Learn more →Home Loans
See every major purchase program side by side in one place.
Learn more →What shapes the Virginia market
VA loans and entitlement
No down payment and no monthly mortgage insurance for eligible service members and veterans. We help you use full or partial entitlement and handle the funding-fee details.
High-cost Northern Virginia
NoVA values frequently exceed conforming limits. We compare high-balance and jumbo options so the structure fits the price point, not just the rate sheet.
Military relocation timing
PCS moves run on tight timelines. We can start pre-approval remotely and coordinate around orders and report dates.
Why Virginia is personal for us
Jason was stationed in Virginia three times during his Navy career and lived in Chesapeake and Carrollton, so Hampton Roads feels like a second home. He served tours at Naval Station Norfolk, the world’s largest naval base, and at Newport News Shipbuilding, where the Navy’s carriers and submarines are built. Home Loans Inc is licensed in Virginia, and we work with service members, veterans, and civilians across the state.
Hampton Roads
Norfolk, Virginia Beach, and Chesapeake, home to Naval Station Norfolk and NAS Oceana, the Navy community Jason lived in and knows firsthand.
The Peninsula
Newport News and Hampton, home to Newport News Shipbuilding and Joint Base Langley-Eustis, across the James River Bridge from Carrollton where Jason lived.
Richmond
The capital region and its surrounding counties.
Northern Virginia
The communities across the river from Washington.
Charlottesville
The Piedmont and the university town.
The Shenandoah Valley
Harrisonburg, Winchester, and the I-81 corridor.
Three tours in Virginia, with stops at Norfolk and the Newport News shipyard, gave Jason a feel for how military and civilian buyers move here. We shop your loan across a wholesale lender network and keep the file on track from application to closing.
Talk to a VA loan specialist
Home Loans Inc: Jason Sharon, Mortgage Broker
2557 Ashley Phosphate Rd, North Charleston, SC 29418